Side-by-side · Q2 2026 data
Heartland Credit Union vs Mid American Credit Union
Metric by metric
| Measure | Heartland Credit Union | Mid American Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 58 |
| Capital cushion | 48 (stronger) | 39 |
| Loan quality | 60 | 84 (stronger) |
| Earnings | 100 (stronger) | 47 |
| Funding & liquidity | 58 (stronger) | 50 |
| Problem-loan coverage | 79 | 87 (stronger) |
| Peer percentile | 37th | 16th |
| Total assets | $726.4M | $531.9M |
| Deposits / shares | $598.8M | $441.8M |
| Capital ratio | 9.79% (stronger) | 8.94% |
| Problem loans | 1.20% | 0.47% (stronger) |
| Net charge-offs | 0.51% (stronger) | 0.55% |
| Return on assets | 2.43% (stronger) | 0.66% |
| Loans ÷ deposits | 102.0% (stronger) | 110.6% |
| Uninsured deposits | 7.0% | 2.8% (stronger) |
| Offices | 9 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.3% |
Heartland Credit Union has the higher TellerScore (66 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Heartland Credit Union leads on 5 and Mid American Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.